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Secondary Home Insurance

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Secondary Home Insurance Provided By Our Agency

Maybe you have a cabin in the mountains, a lake house, or a beach cottage. Whether your vacation home is used as a weekend getaway or a seasonal retreat, it’s a special place you want to protect. Talk to us to know about a variety of coverage options.

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Longer vacancy times
Increased threat of theft
Environmental perils
Potential Guess issues
Property in your vacation home

Longer vacancy times coverage

Risk Factors

When a house isn’t your primary home, more often than not, it’s left unoccupied. Empty houses carry a higher risk of unreported (or late-reported) dangers, like leaks, fires, and vandalism.


The house owner should consider secondary home insurance to cover any unexpected perils.

Increased threat of theft coverage

Risk Factors

Houses that are even temporarily unoccupied carry a greater risk of theft. If you rent the home out to guests for part of the year, visitors may pose a risk.


The house owner should consider secondary home insurance to cover any theft-related property loss.

Environmental perils coverage

Risk Factors

The features you appreciate most about your vacation home, like the waterfront view or resort location, could increase the chances that your property is affected by a natural disaster, like a hurricane, earthquake, or wildfire.


You may need to purchase additional insurance coverage to protect the structure and your belongings from these types of disasters. Secondary home insurance can be opted for the same.

Potential Guest issues coverage

Risk Factors

Do you like to host guests on your property? There can be possibilities where a drunk guest injures himself or damages your neighbor’s property.


Liability insurance is included in the policy you purchase for your secondary home and protects you from accidental bodily injury to another person or damage to their property. It’ll help cover medical expenses, legal fees if you’re sued, or paying for the damage you cause to another person’s property.

Property in your vacation home coverage

Risk Factors

You work hard for everything that makes your secondary home a comfortable and entertaining place to visit. However, if any of your property is damaged, you must pay the repair costs from your pockets.


Personal property coverage is one way to ensure you’ll have the means to repair or replace them if a covered loss, such as theft, fire, lightning, and more, damages them.

What is Secondary Home Insurance?

If you own a second house, you must insure it separately from your primary residence with a homeowners insurance policy. Homeowners insurance for second residences contains the same coverages as primary home insurance; however, ensuring a secondary residence is more expensive due to the increased risk of insurance claims. Furthermore, how frequently your vacation property is vacant, where it is located, and if you rent it all impact your prices.

What are the types of Secondary Home Insurance coverages?

A second home insurance policy will provide the following coverages:

  • Dwelling coverage protects the structure of your secondary home against risks such as fire, weather-related damage, and theft.
  • Coverage for additional structures on your property, including gardening sheds, garages, and boat docks.
  • Personal property coverage protects your things at your second home, including furniture, clothing, kitchenware, and other items.
  • Loss of use coverage pays for additional living expenses if your second home becomes uninhabitable due to a covered loss and you must temporarily relocate.
  • Personal liability insurance pays for legal and medical expenses if you are legally held liable for someone else's injury or property damage.

Medical payments coverage pays for guests' medical expenses if injured on your property.

Why is Secondary Home Insurance important?

Second homes provide a respite from weekday life and are a good investment. However, they also present more of an insurance risk than your primary residence—the fact that you don't physically occupy your second home frequently puts it in more danger of theft, vandalism, and easily undetected damage, like burst water pipes.

Ready to find the right coverage for your vacation home? Reach out to us; we are ready to help you discover the coverages you need to ensure your second home is adequately protected.

Already have Secondary Home Insurance? Switching is easy

It might be time to switch insurers whenever your existing insurer's service doesn't meet your needs. For example, it might be time to consider other options if you have poor claims experience or an unexplained rate increase.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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The Insurance Doctor

The Insurance Doctor Provides Auto, Home, Life, Personal, & Business Insurance to All of New Hampshire, Including Manchester, Concord, Bedford, Goffstown, Nashua, Merrimack, Rochester, and Portsmouth.
453 Second Street 
Manchester, New Hampshire 03102
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(603) 647-5617
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